The Government are committed to support and strengthen the existing framework for occupational pensions, and to create a new framework of secure, flexible and value-for-money stakeholder pensions for those who do not have the opportunity of contributing to a second pension, either because they lack the resources
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or because they do not have access to a decent second scheme. We also recognise that personal pensions, appropriately regulated, will remain a good option for many.

The review of the central areas of insecurity for elderly people announced on 17 July by my right hon. Friend the Secretary of State will include all aspects of the basic state pension and its value and second pensions, including occupational pensions, personal pensions and state earnings-related pension scheme.